When analyzing the perception of Hawking radiation by different observers, the Hawking effect becomes mixed with the Unruh effect. The separation of both effects is not always clear in the literature. Here we propose an inconsistency-free interpretation of what constitutes a Hawking effect and what an Unruh effect. An appropriate interpretation is important in order to elucidate what sort of effects a detector might experience depending on its trajectory and the state of the quantum field. Under simplifying assumptions we introduce an analytic formula that separates these two effects. Armed with the previous interpretation we argue that for a free-falling detector to cross the horizon without experiencing high-energy effects, it is necessary that the horizon crossing is not attempted at low velocities.